BlastPoint

BlastPoint's Banking Scorecard

Peoples Bank of Graceville

$100M-$1B Specialty: Other FL FDIC cert 21692

Graceville, FL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 44 in FL.
  • Deposits +3.3% year over year ($106.5M on the books).
  • Delinquency rate 0.34%.
  • Return on assets 1.02%.
  • Efficiency ratio 63.00% vs a 64.48% peer average.
  • Loan-to-deposit ratio 39.74% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 44 in FL
View $100M-$1B leaderboard (FL) →

Peoples Bank of Graceville has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 1.48% below tier average
  • + Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 43.7% in tier
  • - Credit Risk Growth: Bottom 47.4% in tier
  • - Liquidity Overhang: Bottom 47.8% in tier
  • - Net Interest Margin 1.48% below tier average
  • - ROA 0.30% below tier average
Get updates when Peoples Bank of Graceville releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Total Assets ? $115.8M
+4.3% YoY -1.9% QoQ
-$270.8M $386.6M
+1.2% YoY
$4.3B
+7.0% YoY
$6.3B
+7.7% YoY
Bottom 4.5% in tier
Total Loans ? $42.3M
+7.7% YoY +3.5% QoQ
-$216.0M $258.3M
+1.7% YoY
$3.0B
+8.2% YoY
$3.2B
+9.4% YoY
Bottom 1.7% in tier
Total Deposits ? $106.5M
+3.3% YoY -2.4% QoQ
-$220.2M $326.7M
+0.7% YoY
$3.5B
+7.0% YoY
$4.9B
+7.3% YoY
Bottom 7.5% in tier
Return on Assets ? 1.02%
+33.1% YoY +5.7% QoQ
-0.30% 1.32%
+10.8% YoY
0.62%
-8.3% YoY
1.30%
+12.1% YoY
35%
Net Interest Margin ? 2.50%
+11.9% YoY +2.8% QoQ
-1.48% 3.99%
+5.0% YoY
3.70%
+0.5% YoY
3.95%
+4.9% YoY
Bottom 2.9% in tier
Efficiency Ratio ? 63.00%
-8.7% YoY -1.5% QoQ
-1.48% 64.48%
-3.2% YoY
199.20%
+161.3% YoY
70.05%
+2.5% YoY
48%
Delinquency Rate ? 0.34%
-3.4% QoQ
-0.58% 0.92%
+15.7% YoY
0.61%
-2.0% YoY
0.98%
+16.3% YoY
55%
Loan-to-Deposit Ratio ? 39.74%
+4.2% YoY +6.1% QoQ
-38.22% 77.95%
+1.0% YoY
72.91%
-1.7% YoY
79.03%
+2.3% YoY
Top 4.0% in tier
Non-Interest-Bearing Deposit Share ? 21.01%
-3.2% YoY +7.5% QoQ
-1.02% 22.03%
-0.6% YoY
27.35%
-2.5% YoY
21.98%
-0.6% YoY
50%
Nonperforming Asset Ratio ? 0.13%
+1.9% QoQ
-0.54% 0.67%
+16.4% YoY
0.42%
-2.6% YoY
0.69%
+15.8% YoY
68%
Tier 1 Capital Ratio ? 30.21%
-3.6% YoY +2.8% QoQ
+14.31% 15.91%
+1.4% YoY
19.50%
+8.2% YoY
17.09%
+0.8% YoY
Top 4.0% in tier
Non-Interest Income / Assets ? 0.16%
+7.8% YoY +112.0% QoQ
-0.41% 0.57%
+7.6% YoY
1.02%
+6.4% YoY
0.66%
+5.2% YoY
36%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Noninterest-Bearing 21.0%
-0.7pp YoY
+1.5pp QoQ
 -1.1pp 22.1% 27.7% 22.2% 50%
Brokered Deposits 1.9%
-0.2pp YoY
0.0pp QoQ
 -6.0pp 7.9% 8.7% 8.5% 29%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
C&I 4.6%
+0.2pp YoY
0.0pp QoQ
 -7.0pp 11.6% 12.9% 12.5% 17%
CRE n/a n/a 39.5% 50.6% 41.4% n/a
1-4 Family 50.9%
-2.6pp YoY
-0.9pp QoQ
 +18.2pp 32.6% 30.7% 31.3% 83%
Consumer 9.3%
+4.1pp YoY
+5.0pp QoQ
 +5.1pp 4.1% 3.7% 5.0% 91%

Capital

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
CET1 Ratio 30.2%
-1.1pp YoY
+0.8pp QoQ
 +11.4pp 18.8% 19.8% 19.7% 93%
Leverage Ratio 10.3%
-0.4pp YoY
+0.1pp QoQ
 -1.9pp 12.2% 13.9% 12.6% 37%
Total Capital Ratio 31.2%
-1.2pp YoY
+0.8pp QoQ
 +11.3pp 19.9% 21.1% 20.8% 93%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Full-Time Employees 13
0 YoY
0 QoQ
 -46 58 295 482 2%
Assets per Employee ($) $8.9M
+4.3% YoY
-1.9% QoQ
 +$1.4M $7.5M $10.3M $8.8M 78%
Branch Count 1
0 YoY
0 QoQ
 -4 4 13 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.3%
+0.3pp QoQ
 -0.6pp 0.9% 0.7% 1.0% 42%
Allowance Coverage 2.61x
0.0% QoQ
 -21.55x 24.15x 16.62x 20.23x 55%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 53%

Profitability

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
ROE 14.4%
+1.8pp YoY
+0.5pp QoQ
 +2.2pp 12.2% 9.3% 11.6% 64%
Cost of Funds (YTD) 1.7%
-0.1pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.8% 1.7% 53%
Net Income ($, YTD) $592,000
+36.4% YoY
— QoQ
 -$2.0M $2.6M $25.2M $40.4M 13%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Quality Pressure

risk
#550 of 1256 • Bottom 43.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.34%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#445 of 936 • Bottom 47.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Liquidity Overhang

risk
#356 of 742 • Bottom 47.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 30.21%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 39.74%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

106
Tier 1 Capital Ratio
capital
Value: 30.21%
Peer Median: 15.91%
#106 of 2643 Top 4.0% in $100M-$1B
108
Loan-to-Deposit Ratio
liquidity
Value: 39.74%
Peer Median: 77.95%
#108 of 2643 Top 4.0% in $100M-$1B

Top Weaknesses (4 metrics)

2600
Total Loans
size
Value: $42.33M
Peer Median: $258.35M
#2600 of 2643 Bottom 1.7% in $100M-$1B
2567
Net Interest Margin
profitability
Value: 2.50%
Peer Median: 3.99%
#2567 of 2643 Bottom 2.9% in $100M-$1B
2525
Total Assets
size
Value: $115.78M
Peer Median: $386.57M
#2525 of 2643 Bottom 4.5% in $100M-$1B
2445
Total Deposits
size
Value: $106.53M
Peer Median: $326.73M
#2445 of 2643 Bottom 7.5% in $100M-$1B
Powered by BlastPoint © 2026